Podcast Episode Explores How to Secure Lifetime Income for an Adult Disabled Child
Thursday, April 30th, 2026
April 22, 2026, A new episode of the podcast Love & Money with Barbara Treadwell is now available, offering guidance on how families can secure lifetime income for an adult disabled child after a parent’s death. Episode 10, titled “Lifetime Income for the Adult Disabled Child,” expands on a previous discussion and provides practical strategies for long-term financial planning tailored to individuals with disabilities.
In the episode, Certified Financial Planner™ Barbara Treadwell shares both professional expertise and personal experience as the mother of her son, Terry. She discusses the long-standing concern many parents face about who will care for their child and how that care will be funded in the future. Treadwell describes a breakthrough moment that led her to explore alternative approaches to traditional planning, ultimately identifying strategies that can help provide guaranteed income for life.
The episode outlines key financial tools and concepts, including the 72(t) provision, which allows penalty-free withdrawals for individuals who are totally and permanently disabled, and the use of lifetime income annuities structured with the disabled adult as the annuitant. Treadwell also explains how affordable term life insurance can be used to bridge the gap between a disabled individual’s current age and when annuity income may begin, as well as the differences among qualified, non-qualified and Roth accounts and why those distinctions matter in disability planning.
Additional topics include the tax implications of placing qualified funds into a trust, the differences between special needs trusts and revocable trusts and how each affects eligibility for government assistance programs, and the Eligible Disabled Beneficiary provision, which allows lifetime IRA distributions rather than the standard 10-year rule. The episode also highlights testamentary trusts as a no-cost planning option for families whose primary asset is a 401(k) plan.
“This episode reflects what I wish I had known sooner,” Treadwell said. “Families need clear, actionable strategies to protect their loved ones’ financial future.”
The episode is available at BarbaraTreadwell.com. Listeners can also follow @LoveAndMoneyPodcast on Instagram and “Love & Money with Barbara Treadwell” on Facebook for updates and future episodes.
Barbara holds a master’s degree in counseling from the University of South Alabama and an undergraduate degree in sociology from Florida State University. She divides her time between her home in Savannah, GA and New York. She is licensed and maintains a client base in multiple states.
Barbara is always on the lookout for podcast guests. If you have a story or expertise which you would like to share, please reach out. For more information, visit www.barbaratreadwell.com, contact her office at (912) 236-1704 or email [email protected].
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